Redondo Beach, CA · Charter 95052
NCUA · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Trailing 9 quarters, through Q2 2026
Capital
24
Asset Quality
55
Profitability
42
Liquidity
20
Efficiency
37
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.
Redondo Beach, CA · Charter 95052
NCUA · 4 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.31% | -0.56% | 0.33% | 0.28% | 0.32% | 0.45% | 0.13% | 0.10% | -17 bps | |
| Return on Equity | -3.32% | -6.21% | 3.59% | 2.93% | 3.35% | 4.77% | 1.42% | 1.13% | -180 bps | |
| Net Interest Margin | 3.25% | 3.29% | 3.50% | 3.69% | 3.70% | 3.63% | 3.58% | 3.66% | -4 bps | |
| Efficiency Ratio | 92.37% | 98.42% | 88.25% | 89.60% | 89.68% | 87.82% | 85.66% | 87.51% | -209 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.82% | 0.85% | -3.69% | -6.21% | -2.95% | -0.76% | 5.25% | 6.66% | +1,286 bps | |
| Loan Growth (YoY) | 5.97% | 2.17% | -0.65% | -2.10% | -0.59% | 0.56% | 0.03% | 3.36% | +547 bps | |
| Share Growth (YoY) | -4.63% | -2.61% | 0.14% | -1.46% | 4.38% | 7.00% | 8.97% | 7.60% | +905 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.71% | 0.47% | 0.45% | 0.49% | 0.56% | 0.60% | 0.48% | +3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.29% | 8.95% | 9.14% | 9.54% | 9.48% | 9.47% | 9.07% | 9.30% | -23 bps | |
| Net Worth / Assets | 9.29% | 8.95% | 9.14% | 9.54% | 9.48% | 9.47% | 9.07% | 9.30% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.29% | 92.91% | 89.94% | 89.16% | 88.85% | 87.32% | 82.57% | 85.65% | -351 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 99.62% | 0.00% | 99.25% | 0.00% | 0.00% | 0.00% | 0 bps | |
Redondo Beach, CA · Charter 95052 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)
NCUA · 4 branches
Q2 2026
Return on Assets
0.10%
Rank 44 of 62
Net Interest Margin
3.66%
Rank 22 of 62
Efficiency Ratio
87.53%
Rank 40 of 62
Equity / Assets
9.30%
Rank 47 of 62
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.10% | 0.01% | 0.47% | 0.92% | Beats 29% | 44 / 62 | ||
| Return on Equity | 1.12% | 0.18% | 3.35% | 5.66% | Beats 31% | 43 / 62 | ||
| Net Interest Margin | 3.66% | 2.88% | 3.31% | 3.93% | Beats 65% | 22 / 62 | ||
| Efficiency Ratio | 87.53% | 71.17% | 84.14% | 92.47% | Beats 37% | 40 / 62 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.48% | 0.22% | 0.52% | 0.99% | Beats 55% | 29 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.30% | 9.30% | 12.20% | 16.33% | Beats 24% | 47 / 62 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.30% | 9.30% | 12.20% | 16.33% | Beats 24% | 47 / 62 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.65% | 48.69% | 57.00% | 84.55% | 77th pctl | 14 / 62 | ||
| Loans / Assets | 76.89% | 42.93% | 53.05% | 69.62% | 89th pctl | 7 / 62 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||